If you were planning to do a “Roth IRA” conversion to keep your retirement savings permanently out of the hands of the IRS, you might want to get on it. The new tax bill on Capitol Hill is going to scrap these conversions for everybody after the end of the year—and, no, not just for those earning more than $400,000 a year. The bill “prohibits all employee after-tax contributions in qualified plans and prohibits after-tax IRA contributions from being converted to Roth regardless of income level, effective for distributions, transfers, and contributions made after Dec. 31, 2021,” reports the House Ways & Means Committee.
Access your voicemail Dial *98 from your home phone. If you are away from home, dial your access number and follow the prompts, or dial your phone number, then press the * key when you hear the greeting.

Thanks for calling Dial-A-Shrink. I can’t come to the phone right now, so after the tone, please leave your name and number, then talk briefly about your childhood and tell me what comes to mind when you hear the following words: orange… mother… unicorn… penis. I’ll get back to you with my diagnosis as soon as possible.
If you get stage fright at the thought of making a sales call and leaving a voicemail, preparation can go a long way. Knowing what you’re going to say before you dial – and even running through the script a couple of times – can make you feel more in control. If you want to know exactly how you’ll sound and where improvements have to be made, leave yourself the voicemail and listen to it back. You can also use a breathing exercise to help yourself relax and keep your voice steady.